Income
Income is an Estonia-based P2P lending marketplace that connects retail and institutional investors in the EEA, UK, and Switzerland with vetted non-bank loan originators worldwide, offering fractional loan investments yielding 7–15% annually with a three-layer security framework.
- Company typePrivate
- Founded2020
- HeadquartersTallinn, Estonia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Income does
Income Company OÜ operates a P2P lending marketplace headquartered in Tallinn, Estonia, that connects retail and institutional investors in the EEA, UK, and Switzerland with non-bank loan originators worldwide. Investors register online, complete KYC via Veriff, fund accounts through SEPA bank transfer into segregated B2C accounts provided by Verifo, and invest in fractional loan claims with a minimum ticket of €10 (€0.01 technically possible). The platform differentiates through a three-layer security framework: a Buyback Obligation (mandatory repurchase after 60+ days overdue), a contractually subordinated Junior Share held by the originator, and an exclusive Cashflow Buffer mechanism that directs portfolio profits and Junior Share to investor repayment in originator-default scenarios. The product surface includes web and native iOS/Android apps, an Auto Invest rules-based automation tool, and a Secondary Market for early claim reassignment.
The platform's supply side consists of vetted loan originators across at least 10 countries, including Indonesia (Pinjam Yuk/Surfin Group, DanaKredi), the Philippines (Mocasa), Lithuania (Autofino), Spain (Ibancar), Kosovo (Virtus Lending), the UK (Sandfield Capital), Bulgaria (ITF Group), and others, with an onboarding process led by a Head of Due Diligence with EY audit experience. Income's go-to-market is product-led and self-serve, supported by content marketing, an "Income Insights" podcast, multi-language support (English, Estonian, German, Spanish), and a referral program paying 1% (€10–€500) per successful referral. The company is not regulated as a financial services provider under Estonian law.
The business model is single-sided: investors transact for free, and Income earns transaction fees charged to loan originators when their loans are funded on the platform. The company has raised approximately €1.3M in a March 2022 seed led by Tolaram Fintech with Seedrs and Seedblink at a €10M post-money valuation, plus a follow-on raise of $609K in May 2025. As of the most recent reporting, the platform has facilitated €239.8M in cumulative investments with an average investor return of 13.76% and 11,135+ approved investors. Revenue figures are not publicly disclosed.
Income firmographics
Firmographics- Name
- Income
- Legal name
- Income Company OÜ
- Website
- https://getincome.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Income is an Estonia-based P2P lending marketplace that connects retail and institutional investors in the EEA, UK, and Switzerland with vetted non-bank loan originators worldwide, offering fractional loan investments yielding 7–15% annually with a three-layer security framework.
- Ownership category
- akta.pro rank
Income industry classification
Industry- Product category
- P2P Lending Marketplace
- NAICS
- Other Nondepository Credit Intermediation (52229), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), P2P Secondary Market / Note Trading Platforms (FSAKAHAM)
Keywords
Where Income is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices1 record
Markets served
Income business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Loan Originator Transaction Fees: Income earns revenue by charging fees to loan originators when their loans get invested in by investors on the platform. There are no fees charged to investors for using the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | No-fee investing for all investors |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Income product offering
Product offeringCore offering
Income operates a P2P lending marketplace platform that connects retail and institutional investors in the EEA, UK, and Switzerland with non-bank loan originators globally. Investors can purchase fractional claims on vetted loans with a minimum investment of €10 and earn yields up to 15% annually. The platform is differentiated by a proprietary three-layer security framework (Buyback Obligation, Cashflow Buffer, Junior Share) that protects against both borrower default and loan originator default.
Product overview
Income operates as a unified P2P lending marketplace platform with integrated mobile applications. The core Income Marketplace enables investors to access secured loan investments with yields up to 15% annually, supported by proprietary security mechanisms (Buyback Obligation, Cashflow Buffer, Junior Share). The platform includes an Auto Invest automation feature for passive investing and a Secondary Market for liquidity. Income connects investors with global loan originators across multiple countries including Indonesia, Philippines, Lithuania, Spain, Kosovo, UK, Bulgaria, Estonia, Brazil, Colombia, and Finland.
Differentiator
Problem solved
Functional benefit
Products and services
- Income Marketplace The core P2P lending platform connecting retail and institutional investors with vetted non-bank loan originators globally. Enables investment in fractional claims on loans with minimum €10 investment and yields up to 15% annually, protected by Buyback Obligation, Cashflow Buffer, and Junior Share mechanisms. Available in English, Estonian, German, and Spanish.
- Income Mobile App Native iOS and Android mobile applications enabling investors to access the Income Marketplace on the go, browse available loans, manage their investment portfolios, and receive principal and interest payments.
Quantifiable outcome
- Up to 15% annual returns for investors
- +3 more outcomes
Companies that use Income
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Income technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability2 records
Feature5 records
Income partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- VeriffcoreIdentity verification solution used for KYC/AML compliance during investor registration. Veriff is a global, full-service identity verification solution compliant with GDPR, CCPA, SOC2 type II, and WCAG Accessibility Guidelines.
- VerifocorePayment services provider partner offering segregated B2C accounts to keep investor funds separate from Income's operational capital.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Income competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Income social profiles
Digital presenceIncome compliance and trust
Trust signalCompliance1 record
Income financial estimates
Financial estimateRevenue estimate
Valuation estimate
Income leadership team
Management profileNumber of profiles
Profiles8 records
Income funding detail
Funding detailFunding overview
Funding rounds4 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Income M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Income
What does Income do?
Income operates a P2P lending marketplace platform that connects retail and institutional investors in the EEA, UK, and Switzerland with non-bank loan originators globally. Investors can purchase fractional claims on vetted loans with a minimum investment of €10 and earn yields up to 15% annually. The platform is differentiated by a proprietary three-layer security framework (Buyback Obligation, Cashflow Buffer, Junior Share) that protects against both borrower default and loan originator default.
Is Income a public or private company?
Income is a private company. It is classified as venture growth investor backed and is currently operating.
When was Income founded?
Income was founded in 2020. It employs 11 to 50 people.
Where is Income based?
Income is headquartered in Tallinn, Estonia, in the Europe region.
How does Income make money?
One revenue line is on record: loan Originator Transaction Fees.
Does Income have an API?
No public API is recorded for Income.
What industry is Income in?
Income's product category is P2P Lending Marketplace. Its primary akta.pro industry code is FSAKAHAJ, P2P Secured / Collateralized Lending (General), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 52229 and its SIC code is 6141.